Intersections: who has priority, what the signal obliges, and what a glance costs
Four junction types put to the same four questions — which instrument grants priority, what it actually obliges, which collision the geometry produces, and what a moment of distraction costs at each one.
Priority at a junction is never a fact about the road. It is always a fact about an instrument — a signal head, a painted triangle, a sign, or, where none of those exists, a default written into a national code. Four junction types are worth holding separately, not because they look different but because a different instrument speaks at each one.
This piece puts those four to the same four questions: who has priority and by what instrument; what the instrument actually obliges; which crash the geometry produces; and what a moment of distraction costs there. It runs in prose rather than as a grid: across four junctions and several markets, most of that grid’s cells cannot honestly be filled.
The signalised crossroads
The instrument is unambiguous — the only one of the four that is. In the United Kingdom, rule 175 requires a driver to stop behind the white stop line unless the light is green, and rule 176 forbids moving over the line while red is showing. Spain’s code says a steady red prohibits passage, and that where the signal sits inside or on the far side of a junction, vehicles must not enter the junction at all.
What the green does not do is more interesting. Spain’s code makes a steady green passage with priority except in the cases of its article 59.1, which forbids entering a junction, even with priority, where you would foreseeably be left stopped across the cross traffic; the Highway Code says the same as a condition, that you go forward on green only if there is room to clear the junction safely. A green light is permission to proceed, not permission to occupy.
The geometry produces the right-angle strike — a side impact into a door, with no crumple structure between bumper and occupant. It is the collision the section’s simulator models as an urban T-bone, and the one where two drivers’ accounts most often differ by exactly one signal aspect. Distraction costs something particular here: the glance that matters is often the one taken at the stop line, which ends with the driver pulling away on a green they did not watch turn. The United Kingdom removes the ambiguity in terms — the hand-held prohibition still applies when you are stopped at traffic lights and when you are queuing in traffic.
The junction controlled by a sign, or by nothing at all
Here the instrument is a sign, a road marking, or a national default — and the defaults differ between markets. The Highway Code’s instruments are the Stop sign with a solid white line, where a driver MUST stop, and the Give Way sign or triangle with broken white lines, where a driver MUST give way to traffic on the main road. Spain phrases the same duty more strongly: at give-way and stop junctions, drivers shall always yield to vehicles on the priority road, whichever side they approach from, coming to a complete halt when necessary.
The divergence is in what happens when nothing is signed. Spain has a written default — absent a sign regulating priority, a driver must yield to vehicles approaching from the right, with listed exceptions for paved over unpaved roads, rail vehicles, roundabouts and motorway traffic. Virginia’s manual states the same rule for a simultaneous arrival, and again when the lights are out: all vehicles must stop, and the driver on the left yields to the driver on the right. The Highway Code does not resolve an unmarked junction by priority at all: its instruction for a failed signal is to treat the situation as an unmarked junction and proceed with great care — a rule about caution, not about who goes.
Spain adds the clause that describes what yielding looks like: the driver who must yield shall not begin, continue or resume the manoeuvre until satisfied it will not force the priority driver to change course or speed abruptly, and must show, by slowing gradually, that they are in fact going to yield. Yielding is a communication, not only an outcome. The geometry is the right-angle strike again, with the struck vehicle usually faster because it was not slowing for anything, and the required action — a long, deliberate look both ways — is exactly what a screen takes away.
The roundabout
The roundabout replaces the crossing conflict with a merge. The Highway Code’s rule 185 says to give priority to traffic approaching from your right unless directed otherwise by signs, road markings or traffic lights. Spain lists roundabouts as an exception to its own yield-to-the-right default: those already in the circulating carriageway have priority over those seeking to enter. Virginia states it for both cases at once — drivers entering any intersection or roundabout must yield to traffic already in it.
What is obliged is therefore a judgement about a moving gap rather than a stop, and Spain’s code requires moderate speed on the approach to any roundabout or junction where priority is not held. The geometry produces entry and exit conflicts rather than right-angle strikes, and the Highway Code names the two that catch people: traffic already on the roundabout may not be signalling correctly or at all, and the vehicle crossing in front of you may intend to leave by the next exit.
The turn across oncoming traffic
The fourth is the unprotected turn across the oncoming stream: a right turn in the left-hand-traffic world, a left turn in Spain and the United States. The geometry is the same, mirrored.
The instrument here is unusual, because there often is none — the turning driver has a green light and still does not have priority. Virginia signs this explicitly: the Left Turn Yield on Green sign tells a driver that traffic turning left at a green light does not have the right of way and must yield to traffic from the other direction. The Highway Code’s rule 180 gives the same duty as an instruction, to wait until there is a safe gap between you and any oncoming vehicle. Spain’s article 74.1 is the strictest of the three: a driver must make sure the speed and distance of vehicles approaching from the opposite direction allow the manoeuvre without danger, abstain if they do not, and abstain altogether from a left turn where visibility is insufficient.
The crash is a misjudged gap that ends as a front-to-side impact, and the Highway Code records a visibility failure inside it: at crossroads where an oncoming vehicle is also turning, passing nearside-to-nearside in front of each other blocks the view of oncoming vehicles, and cyclists and motorcyclists in particular may be hidden by it. Its safer method is offside-to-offside, keeping the other vehicle on your right and turning behind it. Virginia adds one piece of technique: keep the front wheels straight until you are actually going to turn, because a car struck from behind with its wheels already turned is pushed into oncoming traffic.
Distraction costs most here, for a structural reason. This is the only one of the four junctions where the driver is not deciding whether it is their turn but estimating a closing speed, and an estimate made before a two-second glance is not the same estimate afterwards.
The indicator, and what it is not
The Highway Code ends its signalling duties with the sentence «Remember that signalling does not give you priority», tells a driver waiting at a junction not to assume a vehicle signalling left will actually turn, and gives the mechanical reason next — an indicator may not have been cancelled. Spain requires that the warning for a lateral movement end as soon as the vehicle has taken its new line, because that movement is all it announces.
What the glance is actually worth
The best evidence we could read from its publisher is the AAA Foundation’s case-crossover analysis of the SHRP 2 naturalistic driving data, by the Virginia Tech Transportation Institute. It set what a driver was doing in the six seconds before a crash against the same driver’s ordinary driving in matched six-second segments — 566 crashes against 1,749 baseline segments, from 3,593 drivers monitored between October 2010 and December 2013.
Visual-manual phone tasks overall carried an odds ratio of 1.83, confidence interval 1.03 to 3.25, relative to driving with no observable secondary task. Texting alone was 2.22, interval 1.07 to 4.63. Rear-end crashes came out at 7.77, on an interval running from 1.65 all the way to 36.56 — the width is the honest part. Hand-held conversation gave 1.16, interval 0.50 to 2.70, which the report itself calls very imprecise and not statistically significant.
Two things deserve stating. The published stratification is by traffic density, crash severity and crash type, not by junction type, so nothing in it answers the question this article is about. And the widely-quoted twenty-three-fold figure comes from a different study of commercial vehicle operations, which the Virginia Tech Transportation Institute attributes to that study by name on its own pages; it is not the car-driver figure. What both bodies of work say plainly is the part that transfers to a junction: driving is a visual task, and the activities that move the risk are the ones that take the eyes off the road.
Read from official sources, the hand-held prohibition is broader than drivers expect. In the United Kingdom it is illegal to hold and use a phone, sat nav, tablet or any device that can send or receive data while driving, and the law still applies when stopped at traffic lights and when queuing in traffic. Spain’s general circulation regulation, in the version in force since 2006, prohibits using mobile telephony devices or any other means of communication while driving, except where the communication takes place without using the hands and without headsets or earphones. Virginia prohibits holding a phone or other wireless communications device while driving except in a driver emergency or when lawfully parked; its manual states that driver distraction accounts annually for roughly 17 percent of all traffic crashes there.
What we cannot tell you
The instruments above tell you what each junction obliges. They do not tell you what happens afterwards, and two facts decide that. Which of the two drivers is treated as at fault when each says the other’s light was red is the fault system for your jurisdiction, set out in the data below. And whether your own share of the blame reduces what you recover, or extinguishes it entirely, is the negligence rule for your jurisdiction, in the same data below.
The rest is smaller than it looks: four junctions, one instrument each, and one habit that works at all four — find the instrument before you arrive, and keep your eyes on it.
Rules in your jurisdiction
Deadlines, fault rules and minimum coverage differ by state and country. Pick yours to see the rules that apply to this topic.
Select a jurisdiction to see its rules.
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Contributory negligence Contributory negligence is “an affirmative and complete defense” in Alabama, with no apportionment: a claimant found negligent at all recovers nothing. Whether they were is normally a jury question, becoming one of law “only when the facts are such that all reasonable men must draw the same conclusion”. Two qualifications matter — a passenger is not sunk by the driver’s fault, and failing to wear a seat belt “shall not be considered evidence of contributory negligence” (Ala. Code § 32-5B-7). |
Verified as ofSeptember 16, 2026 · Car insurance claims in Alabama →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Alaska’s shared-fault rule is one sentence long and contains no percentage and no bar of any kind: «In an action based on fault seeking to recover damages for injury or death to a person or harm to property, contributory fault chargeable to the claimant diminishes proportionately the amount awarded as compensatory damages for the injury attributable to the claimant’s contributory fault, but does not bar recovery» (§ 09.17.060, from § 1 ch 139 SLA 1986). «But does not bar recovery» is the whole rule, so a claimant ninety per cent to blame still recovers a tenth. The machinery is prescribed as well: the court «shall instruct the jury to answer special interrogatories» stating «the amount of damages each claimant would be entitled to recover if contributory fault is disregarded» and «the percentage of the total fault that is allocated to each claimant, defendant, third-party defendant, person who has been released from liability, or other person responsible», with the trier of fact directed to weigh «both the nature of the conduct of each person at fault, and the extent of the causal relation between the conduct and the damages claimed» (§ 09.17.080(a)–(b)). ALASKA HAS ABOLISHED JOINT LIABILITY, AND THAT IS THE CONSEQUENCE A CLAIMANT MUST PLAN FOR: «The court shall enter judgment against each party liable on the basis of several liability in accordance with that party’s percentage of fault» (§ 09.17.080(d)), so a claimant who sues one of two at-fault drivers collects that driver’s share and no more, and fault is allocated to settled and released persons too. The apportionment also runs on a statutory definition of fault that is wider than negligence: «“fault” includes acts or omissions that are in any measure negligent, reckless, or intentional … The term also includes breach of warranty, unreasonable assumption of risk not constituting an enforceable express consent, misuse of a product …, and unreasonable failure to avoid an injury or to mitigate damages» (§ 09.17.900) — so a claimant’s own conduct after the crash is apportionable, not merely their driving. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Alaska →
| Fault system | Hybrid |
|---|---|
| Shared-fault rule | Pure comparative negligence Where two or more people are at fault, «the liability to make good the damage or loss is in proportion to the degree in which each person was at fault but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing renders a person liable for loss «to which the person’s fault has not contributed» (Contributory Negligence Act, s. 1). Vehicle-damage recovery from your own insurer is instead scaled by the prescribed fault determination rules (Insurance Act, s. 585.1(4)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Alberta →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Liability for damage caused by the circulation of vehicles is objective (strict) — Código Civil y Comercial arts. 1757 and 1769 — and «puede ser excluida o limitada por la incidencia del hecho del damnificado en la producción del daño» (art. 1729): the victim’s own act reduces, or in an extreme case excludes, the award. |
Verified as ofSeptember 11, 2026 · Car insurance claims in Argentina →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Contributory negligence and assumption of risk reduce, never bar: «the claimant’s action is not barred, but the full damages shall be reduced in proportion to the relative degree of the claimant’s fault which is a proximate cause of the injury or death». No percentage threshold appears anywhere in the section; the single exception is conduct rather than a figure, since there is no right to comparative negligence «in favor of any claimant who has intentionally, wilfully or wantonly caused or contributed to the injury or wrongful death» (A.R.S. § 12-2505(A)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Arizona →
| Fault system | No-fault |
|---|---|
| Shared-fault rule | Pure comparative negligence In the actions that survive — vehicle damage, and the narrow injury exceptions — liability «is in proportion to the degree to which each person was at fault», is «apportioned equally» where it is not possible to establish different degrees, and never reaches loss to which a person’s fault did not contribute (Negligence Act, s. 1). The Act’s definitions include proceedings in the Civil Resolution Tribunal, where many vehicle-damage disputes are actually decided. |
Verified as ofSeptember 11, 2026 · Car insurance claims in British Columbia →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Not yet verified |
Verified as ofSeptember 11, 2026 · Car insurance claims in California →
| Fault system | Hybrid |
|---|---|
| Shared-fault rule | Pure comparative negligence «La apreciación del daño está sujeta a reducción, si el que lo ha sufrido se expuso a él imprudentemente» — the award is reduced where the victim imprudently exposed themselves to the harm (Código Civil art. 2330). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Chile →
| Fault system | Hybrid |
|---|---|
| Shared-fault rule | Pure comparative negligence «La apreciación del daño está sujeta a reducción, si el que lo ha sufrido se expuso a él imprudentemente» — the award is reduced where the victim imprudently exposed themselves to the harm (Código Civil art. 2357); no threshold bars recovery. |
Verified as ofSeptember 11, 2026 · Car insurance claims in Colombia →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (50% bar) Colorado bars at exactly half. Recovery survives only «if such negligence was not as great as the negligence of the person against whom recovery is sought», and where the claimant’s proportion «is equal to or greater than the negligence of the person against whom recovery is sought, then, in such event, the court shall enter a judgment for the defendant» (C.R.S. § 13-21-111(1), (3)). A claimant found exactly 50 % responsible recovers nothing. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Colorado →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Contributory negligence «shall not bar recovery … if the negligence was not greater than the combined negligence of the person or persons against whom recovery is sought», settled or released persons included, and damages «shall be diminished in the proportion of the percentage of negligence attributable to the person recovering» (Conn. Gen. Stat. § 52-572h(b)). The comparison is against everyone sued added together, not against any one defendant, and a claimant at exactly 50 % still recovers half. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Connecticut →
| Fault system | Add-on no-fault |
|---|---|
| Personal injury protection required | Yes [5] |
| Minimum injury benefit | $15,000 [5] |
| Claiming pain and suffering from the other driver | No threshold — the ordinary claim survives [5] Every policy must carry «Compensation to injured persons for reasonable and necessary expenses incurred within 2 years from the date of the accident», with «a minimum limit for the total of all payments which must be made pursuant to that subparagraph of $15,000 for any 1 person and $30,000 for all persons injured in any 1 accident» (§ 2118(a)(2)). Delaware imposes no tort threshold: the claim against the at-fault driver for pain and suffering survives intact. What § 2118(h) does instead is an evidentiary bar against double recovery — a person eligible for those benefits «is precluded from pleading or introducing into evidence in an action for damages against a tortfeasor those damages for which compensation is available under paragraph (a)(2) or (3) of this section … whether or not such benefits are actually recoverable». That narrows what may be put to a jury; it does not gate the claim. |
| Shared-fault rule | Modified comparative (51% bar) Delaware’s comparative statute is one sentence and the bar bites only ABOVE the defendant’s share: «In all actions brought to recover damages for negligence which results in death or injury to person or property, the fact that the plaintiff may have been contributorily negligent shall not bar a recovery by the plaintiff … where such negligence was not greater than the negligence of the defendant or the combined negligence of all defendants against whom recovery is sought, but any damages awarded shall be diminished in proportion to the amount of negligence attributed to the plaintiff» (§ 8132, from 64 Del. Laws, c. 384, § 1; 70 Del. Laws, c. 186, § 1). «Not greater than» is the 51 % form, so A CRASH APPORTIONED FIFTY-FIFTY IN DELAWARE STILL RECOVERS HALF — the same shape as Iowa, West Virginia and Hawaii, and the opposite of Kansas and Nebraska, where an equal share recovers nothing. Note the denominator: the comparison is against «the combined negligence of all defendants against whom recovery is sought», not against each defendant separately, which changes the outcome in a multi-defendant crash and which no summary states. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Delaware →
| Fault system | Choice no-fault |
|---|---|
| Personal injury protection required | No [3] |
| Claiming pain and suffering from the other driver | No threshold — the ordinary claim survives [3] Personal injury protection is elective in the District: an insured «may obtain, solely at his or her option, any 1 or any combination of the 3 coverages» (§ 31-2404), and where it is bought the statutory floors are «not less than $50,000» per victim for medical and rehabilitation expenses and «not less than $12,000» per accident for work loss. Because nothing is compulsory, the default position is an ordinary tort claim with no threshold at all. The threshold is created by the victim’s own choice afterwards: a victim who elects PIP benefits within sixty days of the accident (§ 31-2405) may then sue for non-economic loss only where the injury «directly results in substantial permanent scarring or disfigurement, substantial and medically demonstrable permanent impairment …, or a medically demonstrable impairment that prevents the victim from performing all or substantially all of the material acts and duties that constitute his or her usual and customary daily activities for more than 180 continuous days», or where the costs exceed the benefits available. |
| Shared-fault rule | Contributory negligence Between drivers the District keeps the old bar: “a plaintiff in a negligence action generally cannot recover when he or she is found to have been contributorily negligent” (Asal v. Estate of Mina, 247 A.3d 260, 271 (D.C. 2021)). Two things soften it. Last clear chance survives, so a contributorily negligent claimant may still recover where the defendant had the final opportunity to avoid the collision. And § 50-2204.52 carves out pedestrians and “vulnerable users” — a defined term that includes cyclists, scooter riders and motorcyclists, but not the driver or occupant of a car — who are barred only if their negligence was a proximate cause and greater than the aggregated total negligence of all the defendants. |
Verified as ofSeptember 16, 2026 · Car insurance claims in District of Columbia →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Not yet verified |
Verified as ofSeptember 11, 2026 · Car insurance claims in Dominican Republic →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Contributory negligence: damages are reduced «to such extent as the court thinks just and equitable having regard to the claimant’s share in the responsibility for the damage» (Law Reform (Contributory Negligence) Act 1945, s. 1(1)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in England and Wales →
| Fault system | No-fault |
|---|---|
| Personal injury protection required | Yes [1] |
| Minimum injury benefit | $10,000 [1] |
| Claiming pain and suffering from the other driver | Only past a described injury test [1] Every complying policy carries personal injury protection of $10,000 in medical and disability benefits and $5,000 in death benefits (§ 627.736(1)); within that limit, reimbursement is capped at $2,500 where a provider determines the injured person «did not have an emergency medical condition». Tort liability is exempted to the extent those benefits are payable (§ 627.737(1)), and damages for pain and suffering are recoverable only where the injury consists of «significant and permanent loss of an important bodily function», «permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement», «significant and permanent scarring or disfigurement», or «death» (§ 627.737(2)). |
| Shared-fault rule | Modified comparative (51% bar) In a negligence action «any party found to be greater than 50 percent at fault for his or her own harm may not recover any damages»; below that, damages are reduced in proportion (Fla. Stat. § 768.81(2), (6), as amended by ch. 2023-15). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Florida →
| Fault system | No-fault |
|---|---|
| Personal injury protection required | Yes [5] |
| Minimum injury benefit | $10,000 [5] |
| Claiming pain and suffering from the other driver | Only past a stated amount of medical expense [5] Personal injury protection benefits are «subject to an aggregate limit of $10,000 per person» (HRS § 431:10C-103.5(c)). Section 431:10C-306(a) then abolishes the tort liability of the owner, operator or user of an insured vehicle, and § 431:10C-306(b) restores it only where death occurs, where the injury consists in whole or in part «in a significant permanent loss of use of a part or function of the body», where it is «a permanent and serious disfigurement which results in subjection of the injured person to mental or emotional suffering», or where «the personal injury protection benefits incurred by such person equal or exceed $5,000». Benefits above the basic $10,000 limit do not count toward that $5,000. |
| Shared-fault rule | Modified comparative (51% bar) Past the tort threshold, shared fault is handled by a 1969 statute that has not been amended since 1976: «Contributory negligence shall not bar recovery in any action by any person … to recover damages for negligence resulting in death or in injury to person or property, if such negligence was not greater than the negligence of the person or in the case of more than one person, the aggregate negligence of such persons against whom recovery is sought, but any damages allowed shall be diminished in proportion to the amount of negligence attributable to the person for whose injury, damage or death recovery is made» (§ 663-31(a)). «Not greater than» is the 51 % form, so a crash apportioned fifty-fifty still recovers half, and the comparison is against the AGGREGATE negligence of everyone sued rather than against each defendant. The mechanics are prescribed as well as the rule: in a jury trial the jury «shall return a special verdict» stating the damages that would have been recoverable absent contributory negligence and «the degree of negligence of each party, expressed as a percentage»; the court then reduces the award proportionally, and enters judgment for the defendant where the claimant’s proportion is greater than the aggregate negligence of those sued (§ 663-31(b)–(c)). «The court shall instruct the jury regarding the law of comparative negligence where appropriate» (§ 663-31(d)). |
Verified as ofSeptember 12, 2026 · Car insurance claims in Hawaii →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (50% bar) Idaho’s bar bites at equality, not above it: «Contributory negligence or comparative responsibility shall not bar recovery in an action by any person … to recover damages for negligence, gross negligence or comparative responsibility resulting in death or in injury to person or property, if such negligence or comparative responsibility was NOT AS GREAT AS the negligence, gross negligence or comparative responsibility of the person against whom recovery is sought, but any damages allowed shall be diminished in the proportion to the amount of negligence or comparative responsibility attributable to the person recovering» (§ 6-801). «Not as great as» is the 50 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN IDAHO RECOVERS NOTHING. BUT THE PERCENTAGE ALONE IS MISLEADING, AND § 6-803(3) IS THE SENTENCE A SUMMARY ALWAYS DROPS. Note first that § 6-801 compares the claimant against «the person against whom recovery is sought», singular. Section 6-803(3) then says how that is done: «The common law doctrine of joint and several liability is hereby limited to causes of action listed in subsection (5) of this section. In any action in which the trier of fact attributes the percentage of negligence or comparative responsibility to persons listed on a special verdict, the court shall enter a separate judgment against each party whose negligence or comparative responsibility exceeds the negligence or comparative responsibility attributed to the person recovering. The negligence or comparative responsibility of each such party is to be compared INDIVIDUALLY to the negligence or comparative responsibility of the person recovering», and judgment against each is «in an amount equal to each party’s proportionate share». So a claimant 30 % at fault against two defendants at 35 % each recovers from both, while A CLAIMANT 40 % AT FAULT AGAINST TWO DEFENDANTS AT 30 % EACH RECOVERS FROM NEITHER — even though the defendants together were more at fault than the claimant. Joint and several liability survives only «where they were acting in concert or when a person was acting as an agent or servant of another party», and «acting in concert» means «pursuing a common plan or design which results in the commission of an intentional or reckless tortious act» (§ 6-803(5)). The apportioning special verdict is discretionary for the court but mandatory once asked for: the court «may, and when requested by any party shall, direct the jury to find separate special verdicts», and the reduction is then the court’s arithmetic duty rather than the jury’s (§ 6-802) — a softer rule than Hawaii’s § 663-31(b), which requires the special verdict outright. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Idaho →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) The plaintiff is barred «if the trier of fact finds that the contributory fault on the part of the plaintiff is more than 50% of the proximate cause»; otherwise damages are «diminished in the proportion to the amount of fault attributable to the plaintiff» (735 ILCS 5/2-1116). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Illinois →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Contributory fault «diminishes proportionately the amount awarded as compensatory damages … but does not bar recovery except as provided in section 6», and section 6 bars the claim where the claimant’s fault «is greater than the fault of all persons whose fault proximately contributed to the claimant’s damages» (Ind. Code §§ 34-51-2-5, 34-51-2-6). The jury instruction puts it in figures — above 50 % the claim fails, at exactly 50 % the claimant recovers half (§ 34-51-2-8(b)(2)–(3)) — and the comparison includes nonparties, so a share allocated to somebody who was never sued still counts against the claimant. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Indiana →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Reduction, not a bar, until the claimant carries more than everyone else put together: «Contributory fault shall not bar recovery in an action by a claimant to recover damages for fault resulting in death or in injury to person or property unless the claimant bears a greater percentage of fault than the combined percentage of fault attributed to the defendants, third-party defendants and persons who have been released pursuant to section 668.7, but any damages allowed shall be diminished in proportion to the amount of fault attributable to the claimant» (§ 668.3(1)(a)). «Greater than» is the 51 % form, so a driver exactly half to blame still recovers half — the opposite of Kansas and Nebraska next door. The comparison is against the combined fault of all the defendants and released parties, not against each of them separately. A consortium claim is measured differently again: it is barred by the fault of the injured person, not of the family member bringing it (§ 668.3(1)(b)). Do not confuse either rule with § 668.4, which is a separate fifty-percent rule about joint and several liability among defendants. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Iowa →
| Fault system | No-fault |
|---|---|
| Personal injury protection required | Yes [4] |
| Claiming pain and suffering from the other driver | Only past a stated amount of medical expense [4] Kansas sets no single per-person total: the act prescribes floors element by element — medical and rehabilitation each «not less than $4,500», disability «not less than $900 per month for not to exceed one year», funeral expenses «not to exceed $2,000» (K.S.A. 40-3103) — and adding them together would invent a figure the statute does not state. The gate to the other driver is in K.S.A. 40-3117: damages for pain and suffering are recoverable «only in the event the injury requires medical treatment … having a reasonable value of $2,000 or more, or the injury consists in whole or in part of permanent disfigurement, a fracture to a weightbearing bone, a compound, comminuted, displaced or compressed fracture, loss of a body member, permanent injury within reasonable medical probability, permanent loss of a bodily function or death». |
| Shared-fault rule | Modified comparative (50% bar) Kansas is one of the strict states, and the wording is what makes it strict: «The contributory negligence of a party in a civil action does not bar that party or its legal representative from recovering damages for negligence resulting in death, personal injury, property damage or economic loss, if that party’s negligence was less than the causal negligence of the party or parties against whom a claim is made, but the award of damages to that party must be reduced in proportion to the amount of negligence attributed to that party» (§ 60-258a(a)). «Less than» is the 50 % form: A CRASH APPORTIONED EXACTLY FIFTY-FIFTY RECOVERS NOTHING IN KANSAS — the opposite of Iowa, which sits on the other side of the same round with a «greater than» bar. In a wrongful-death claim the decedent’s own negligence is imputed to the person claiming. Joint and several liability does not survive a comparative-negligence case: «each party is liable for that portion of the total dollar amount awarded as damages to a claimant in the proportion that the amount of that party’s causal negligence bears to the amount of the causal negligence attributed to all parties» (§ 60-258a(d)). |
Verified as ofSeptember 12, 2026 · Car insurance claims in Kansas →
| Fault system | Choice no-fault |
|---|---|
| Personal injury protection required | Limited [1] |
| Minimum injury benefit | $10,000 [1] |
| Claiming pain and suffering from the other driver | Only past a stated amount of medical expense [1] Basic reparation benefits «shall be paid without regard to fault» (§ 304.39-040(1)) and are capped at «ten thousand dollars ($10,000)» for all economic loss to any one person from any one accident (§ 304.39-020(2)). Kentucky is a choice state: a person may reject the tort limitation in writing before an accident, and «Any rejection shall result in the full retention by the individual of his or her tort rights and tort liabilities» (§ 304.39-060(4), (7)) — but a person who rejects may not collect the benefits (§ 304.39-060(8)). Without a rejection, damages for pain and suffering are recoverable «only in the event that the benefits which are payable for such injury as ‹medical expense› … exceed one thousand dollars ($1,000), or the injury or disease consists in whole or in part of permanent disfigurement, a fracture to a bone, … permanent injury within reasonable medical probability, permanent loss of bodily function or death» (§ 304.39-060(2)(b)). The money route and the listed injuries are independent: either one opens the claim. |
| Shared-fault rule | Pure comparative negligence KRS 411.182 apportions fault into «each party’s equitable share of the obligation to each claimant in accordance with the respective percentages of fault», weighing both the nature of each party’s conduct and the extent of the causal relation between that conduct and the damages. Subsections (1) to (4) were read end to end and contain no percentage threshold, no bar and no «greater than fifty percent» clause, so nothing defeats a claimant at any percentage. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Kentucky →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) From 1 January 2026 a claimant whose own negligence is «equal to or greater than fifty-one percent» recovers nothing, and below that the award is reduced in proportion (C.C. art. 2323(A)(2)(a)–(b), as amended by Acts 2025, No. 15, eff. 1 Jan. 2026). The bar sits at 51 %, not at «greater than 50 %»: a claimant exactly 51 % at fault recovers nothing, one at 50.9 % recovers 49.1 %. Louisiana was a pure comparative-fault state from 1979 until 31 December 2025, and the act’s own title says it is passed «to establish a modified comparative fault system». Whether the 51 % bar reaches accidents before 1 January 2026 has not yet been verified against a primary text and is not stated here — the act fixes an effective date and says nothing else. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Louisiana →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (50% bar) MAINE’S SHARED-FAULT RULE IS UNLIKE ANY OTHER IN THIS DATASET AND MUST NOT BE FLATTENED INTO A PERCENTAGE — THE LABEL «modified-50» CARRIES THE BAR AND NOTHING ELSE, BECAUSE THE STATUTE PROMISES NO PROPORTIONAL ARITHMETIC AT ALL. «When any person suffers death or damage as a result partly of that person’s own fault and partly of the fault of any other person or persons, a claim in respect of that death or damage MAY NOT BE DEFEATED BY REASON OF THE FAULT OF THE PERSON SUFFERING THE DAMAGE, BUT THE DAMAGES RECOVERABLE IN RESPECT THEREOF MUST BE REDUCED TO SUCH EXTENT AS THE JURY THINKS JUST AND EQUITABLE HAVING REGARD TO THE CLAIMANT’S SHARE IN THE RESPONSIBILITY FOR THE DAMAGE. … the court shall instruct the jury to find and record the total damages that would have been recoverable if the claimant had not been at fault, AND FURTHER INSTRUCT THE JURY TO REDUCE THE TOTAL DAMAGES BY DOLLARS AND CENTS, AND NOT BY PERCENTAGE, to the extent considered just and equitable …, and instruct the jury to return both amounts WITH THE KNOWLEDGE THAT THE LESSER FIGURE IS THE FINAL VERDICT in the case. … “Fault” means negligence, breach of statutory duty or other act or omission that gives rise to a liability in tort … IF SUCH CLAIMANT IS FOUND BY THE JURY TO BE EQUALLY AT FAULT, THE CLAIMANT MAY NOT RECOVER» (14 M.R.S. § 156). So TWO THINGS ARE TRUE AT ONCE AND BOTH MATTER. The bar is at equality — a claimant found EQUALLY at fault recovers nothing, so a fifty-fifty crash in Maine recovers nothing, the same outcome as Idaho, Kansas, Nebraska and North Dakota. But between zero and equal fault the reduction is whatever the jury thinks just and equitable, expressed IN DOLLARS AND CENTS AND EXPRESSLY NOT AS A PERCENTAGE, with the jury returning the gross figure and the reduced figure and the lesser one entering as the verdict. A READER TOLD «MAINE IS MODIFIED COMPARATIVE AT 50 %» WILL EXPECT A CLAIMANT 30 % AT FAULT TO LOSE EXACTLY 30 %, AND MAINE’S STATUTE DOES NOT PROMISE THAT. The multi-defendant rule points the opposite way from Idaho’s: «In a case involving multiparty defendants, EACH DEFENDANT IS JOINTLY AND SEVERALLY LIABLE TO THE PLAINTIFF FOR THE FULL AMOUNT OF THE PLAINTIFF’S DAMAGES. However, any defendant has the right through the use of special interrogatories to request of the jury the percentage of fault contributed by each defendant.» So Maine keeps joint and several liability in full — a solvent defendant can be made to pay everything — and percentages between defendants are found only if a defendant asks for them, where Idaho’s § 6-803(3) abolishes joint liability outside concert and agency. The price is the settlement machinery: releasing one defendant under an agreement that precludes collecting its share entitles it to be «dismissed with prejudice», bars contribution claims against it, and leaves the remaining parties to conduct discovery and invoke the evidentiary rules «as if the released and dismissed defendant were still a party» (§ 156(1)–(2)). |
Verified as ofSeptember 12, 2026 · Car insurance claims in Maine →
| Fault system | No-fault |
|---|---|
| Shared-fault rule | Pure comparative negligence Contributory negligence «is not a bar to the recovery of damages», and where the plaintiff’s negligence contributed «the court shall apportion the damages in proportion to the degree of negligence found against the plaintiff and defendant respectively» (Tortfeasors and Contributory Negligence Act, s. 4); where apportionment is not practicable the parties «shall be deemed equally negligent» (s. 6). Because injury actions are abolished, the rule does its work on property damage. |
Verified as ofSeptember 11, 2026 · Car insurance claims in Manitoba →
| Fault system | Add-on no-fault |
|---|---|
| Personal injury protection required | Limited [3] |
| Minimum injury benefit | $2,500 [3] |
| Claiming pain and suffering from the other driver | No threshold — the ordinary claim survives [3] Maryland adds the benefit without taking the claim away. «Unless waived in accordance with § 19–506 of this subtitle or rejected in accordance with § 19–506.1 of this subtitle, each insurer that issues, sells, or delivers a motor vehicle liability insurance policy in the State shall provide coverage for the medical, hospital, and disability benefits described in this section» (§ 19-505), with a floor of «up to $2,500» and income loss at «85% of income lost within 3 years after, and resulting from, a motor vehicle accident». The first named insured may sign «an affirmative written waiver of those benefits» (§ 19-506). Neither section limits the right to sue the at-fault driver, and no Maryland statute creates a threshold — this is a checked absence in the two sections read, not a provision that could be quoted. |
| Shared-fault rule | Contributory negligence Maryland keeps the common-law contributory-negligence bar, and there is no percentage to publish: a claimant the fact-finder finds negligent recovers nothing, with no apportionment. The Court of Appeals declined to abandon the doctrine in 2013 — «although this Court has the authority to change the common law rule of contributory negligence, we decline to abrogate Maryland’s long-established common law principle of contributory negligence» — and described the effect in the case before it: «Because of the contributory negligence finding, Coleman was barred from any recovery» (Coleman v. Soccer Association of Columbia, 432 Md. 679 (2013)). One statutory carve-out matters in a motor claim: failure to wear a seat belt may not «be considered evidence of contributory negligence», may not limit a party’s or an insurer’s liability, and may not be referred to at trial (Transportation § 22-412.3(h)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Maryland →
| Fault system | No-fault |
|---|---|
| Personal injury protection required | Yes [4] |
| Minimum injury benefit | $8,000 [4] |
| Claiming pain and suffering from the other driver | Only past a stated amount of medical expense [4] Personal injury protection is defined as «at least eight thousand dollars on account of injury to or death of any one person» (c. 90, § 34A), and § 34M lets a policyholder elect a deductible of up to that same amount, which can reduce what is actually paid without changing the statutory minimum. The gate to the other driver is a sum of money: damages for pain and suffering are recoverable «only if the reasonable and necessary expenses incurred in treating such injury … are determined to be in excess of two thousand dollars», unless the injury causes death, «consists in whole or in part of loss of a body member», of «permanent and serious disfigurement», of the sight or hearing loss described in c. 152, § 36, or «consists of a fracture» (c. 231, § 6D). |
| Shared-fault rule | Modified comparative (51% bar) Contributory negligence «shall not bar recovery … if such negligence was not greater than the total amount of negligence attributable to the person or persons against whom recovery is sought», and damages are «diminished in proportion» to it; assumption of risk is abolished and the claimant «shall be presumed to have been in the exercise of due care» (M.G.L. c. 231, § 85). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Massachusetts →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Not yet verified Not settled on the texts read. The only shared-fault provision in the federal civil code is an all-or-nothing defence: the defendant escapes liability by proving the harm followed from «culpa o negligencia inexcusable de la víctima» (Código Civil Federal arts. 1910 and 1913), which is a complete answer and not a percentage reduction. Ordinary crash liability is in any case governed by the 32 state civil codes, because the federal code applies only to federal matters (art. 1º); whether a state court reduces an award for a victim’s ordinary negligence has not yet been verified against a primary text and is not stated here. |
Verified as ofSeptember 11, 2026 · Car insurance claims in Mexico →
| Fault system | No-fault |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Damages are reduced by the claimant’s share of fault, and where that share «is greater than the aggregate fault of the other person or persons» the court «shall reduce economic damages by the percentage of comparative fault … and noneconomic damages shall not be awarded» (MCL 600.2959) — so only noneconomic damages are barred, and economic damages survive pro rata. Inside the no-fault chapter itself, «damages must not be assessed in favor of a party who is more than 50% at fault», and none are assessed in favour of a party driving without the statutory security (MCL 500.3135(2)(b)–(c)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Michigan →
| Fault system | No-fault |
|---|---|
| Personal injury protection required | Yes [5] |
| Minimum injury benefit | $40,000 [5] |
| Claiming pain and suffering from the other driver | Only past a stated amount of medical expense [5] Basic economic loss benefits «shall provide a minimum of $40,000 for loss arising out of the injury of any one person», split «$20,000 for medical expense loss» and «a total of $20,000 for income loss, replacement services loss, funeral expense loss, survivor’s economic loss, and survivor’s replacement services loss» (§ 65B.44, subd. 1(a)). No damages for noneconomic detriment are recoverable unless a computed sum of medical expense benefits «exceeds $4,000» — with diagnostic x-rays and rehabilitative treatment subtracted from it — or «the injury results in: (1) permanent disfigurement; (2) permanent injury; (3) death; or (4) disability for 60 days or more», where disability means «the inability to engage in substantially all of the injured person’s usual and customary daily activities» (§ 65B.51, subd. 3). |
| Shared-fault rule | Modified comparative (50% bar) Contributory fault does not bar recovery if it was “not greater than the fault of the person against whom recovery is sought”, so a claimant at exactly 50 % still recovers half; above that the claim is barred. Last clear chance is abolished by statute (§ 604.01, subds. 1 and 1a). |
Verified as ofSeptember 16, 2026 · Car insurance claims in Minnesota →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Not yet verified Missouri’s shared-fault rule for an ordinary collision is judge-made, and it is not published as a value here. § 537.765, often cited for it, abolishes the contributory-fault bar and applies «the doctrine of pure comparative fault» expressly and only «in a products liability claim», so it does not reach a crash. Federal opinions published by the Government Publishing Office characterise Gustafson v. Benda, 661 S.W.2d 11 (Mo. 1983) (en banc) as having adopted pure comparative fault, but the Missouri Supreme Court’s own text could not be read and that characterisation is not a verified reading of it. What statute does fix is the defendants’ side: in all tort actions a defendant at fifty-one percent or more of the fault is jointly and severally liable for the whole judgment, and one below that share pays only its own percentage (§ 537.067.1) — a rule about defendants, not a bar on the claimant. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Missouri →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Montana’s bar bites only ABOVE fifty per cent, and the section carries TWO texts, each labelled by the publisher, of which the operative one is the one marked «(Temporary)». «27-1-702. (Temporary) Comparative negligence — extent to which contributory negligence bars recovery in action for damages. Contributory negligence does not bar recovery in an action by a person … to recover damages for negligence resulting in death or injury to the person or property IF THE CONTRIBUTORY NEGLIGENCE WAS NOT GREATER THAN THE NEGLIGENCE OF THE PERSON OR THE COMBINED NEGLIGENCE OF ALL PERSONS AGAINST WHOM RECOVERY IS SOUGHT, but any damages allowed MUST BE DIMINISHED IN THE PROPORTION TO THE PERCENTAGE OF NEGLIGENCE ATTRIBUTABLE TO THE PERSON RECOVERING. (Terminates on occurrence of contingency--sec. 11(2), Ch. 429, L. 1997.)» «Not greater than» is the 51 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN MONTANA RECOVERS HALF — the same camp as Iowa, West Virginia, Hawaii, Vermont and Wyoming, and the opposite of Idaho, Kansas, Nebraska, Maine and North Dakota. Note also that the denominator is the COMBINED negligence of all the persons sued, which helps a claimant facing several defendants, and that the reduction here IS proportional and by percentage — unlike Maine’s § 156, which forbids a percentage reduction. TWO THINGS ABOUT THE LABELS MUST BE GOT RIGHT AND NEITHER MAY BE AVERAGED AWAY. FIRST, «TEMPORARY» DOES NOT MEAN SHORT-LIVED: this text terminates only on a contingency fixed by section 11(2) of chapter 429 of the Laws of 1997, and that contingency has not occurred — so the «(Temporary)» text is the law, and a secondary description will quote whichever of the two it happens to have copied. SECOND, THE CONTINGENT SUCCESSOR TEXT WOULD CHANGE THE DENOMINATOR AND COULD DEFEAT A CLAIMANT THE PRESENT TEXT ALLOWS TO RECOVER: «27-1-702. (Effective on occurrence of contingency) Comparative fault … if the contributory fault was not greater than the fault of the defendant OR THE COMBINED FAULT OF ALL DEFENDANTS AND NONPARTIES» — adding non-parties to the comparison, which is materially wider. The contingency itself was not opened, so what is published is the operative text with the pending alternative disclosed beside it. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Montana →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (50% bar) Nebraska reaches Kansas’s strict result through different words: «Any contributory negligence chargeable to the claimant shall diminish proportionately the amount awarded as damages for an injury attributable to the claimant’s contributory negligence but shall not bar recovery, except that if the contributory negligence of the claimant is equal to or greater than the total negligence of all persons against whom recovery is sought, the claimant shall be totally barred from recovery» (§ 25-21,185.09). «Equal to or greater than» is the 50 % form: A CRASH APPORTIONED EXACTLY FIFTY-FIFTY RECOVERS NOTHING IN NEBRASKA, and the comparison is against the TOTAL negligence of everyone sued, not against each defendant. The same section gives a procedural right worth knowing: «The jury shall be instructed on the effects of the allocation of negligence.» One regulation exists because the bar is otherwise a bargaining weapon: «Insurers shall not assign a percentage of negligence to a claimant for the purpose of reducing a settlement, when there exists no reasonable evidence upon which the assigned percentage of negligence could be based» (210 Neb. Admin. Code ch. 60, § 008.06) — found in no other state’s claims rule in this dataset. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Nebraska →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) A claimant’s comparative negligence «does not bar a recovery if that negligence was not greater than the negligence or gross negligence of the parties to the action against whom recovery is sought» (NRS 41.141(1)), and where several defendants are sued the comparison is against their combined negligence (NRS 41.141(2)(a)). So a fifty-fifty crash still recovers half. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Nevada →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Shared fault reduces a New Brunswick award; it never extinguishes it. «Where by the fault of two or more persons damage or loss is caused to one or more of them, the liability to make good the damage or loss is in proportion to the degree in which each person was at fault but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing in that section operates «so as to render any person liable for any damage or loss to which his fault has not contributed» (Contributory Negligence Act, R.S.N.B. 1973, c. C-19, s. 1(1)–(2)). No percentage bars recovery. Where two or more persons are found at fault «they are jointly and severally liable to the person suffering the damage or loss», contributing between themselves in proportion to fault (s. 2(2)) — so a claimant may recover the whole reduced award from one of several at-fault drivers. Fault and its degrees are questions of fact (s. 5), and «unless the judge otherwise directs, the liability for costs of the parties shall be in the same proportion as the liability to make good the loss or damage» (s. 7(2)), which is the practical sting of a partial-fault finding. The text read is the publisher’s consolidation to 1 September 2011. |
Verified as ofSeptember 12, 2026 · Car insurance claims in New Brunswick →
| Fault system | Choice no-fault |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Contributory negligence does not bar recovery “if such negligence was not greater than the negligence of the person against whom recovery is sought or was not greater than the combined negligence of the persons against whom recovery is sought”, and damages are then “diminished by the percentage sustained of negligence attributable to the person recovering” (N.J.S.A. 2A:15-5.1). Read the words rather than the label: a claimant at exactly 50 % is “not greater than” and recovers; the bar falls at 51 %. The same rule covers damage to the vehicle, because the section reaches negligence “resulting in death or injury to person or property”. |
Verified as ofSeptember 16, 2026 · Car insurance claims in New Jersey →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Not yet verified NEW MEXICO HAS NO COMPARATIVE-FAULT STATUTE, AND THE FIELD IS «UNCLEAR» FOR A SOURCING REASON RATHER THAN A LEGAL ONE. The rule is judge-made. New Mexico is characterised as a pure comparative-negligence state on the authority of Scott v. Rizzo, 1981-NMSC-021, 96 N.M. 682, 634 P.2d 1234, in which the Supreme Court of New Mexico held that comparative negligence «is adopted in this jurisdiction and replaces the “all-or-nothing” rule of contributory negligence» and that «a pure comparative negligence standard shall supersede prior law in New Mexico, and that a plaintiff suing in negligence shall no longer be totally barred from recovery because of his contributory negligence». That opinion was read in full, with its official citation and panel, at nmonesource.com — the New Mexico Compilation Commission’s platform, the state’s official publisher of the appellate reports — but NOT at a court-operated host, and this dataset only records a judge-made comparative rule as verified when the opinion is read at the court’s own site or at GPO. New Mexico’s courts host was unusable: nmcourts.gov and supremecourt.nmcourts.gov both answer a 302 redirect to 127.0.0.1. So the case is named here as CHARACTERISATION and the enum is left «unclear» rather than asserting a value on a locator the rules of this dataset do not accept. What the Legislature does supply corroborates that no percentage bar exists: it speaks only of «any cause of action to which the doctrine of comparative fault applies» when abolishing joint and several liability, and codifies no threshold (§ 41-3A-1(A)). That abolition matters in its own right — «The liability of any such defendants shall be several», each paying «only for that portion» equal to the ratio of its own fault «to the total fault attributed to all persons, including plaintiffs, defendants and persons not party to the action», so people who are not parties count in the denominator. Four carve-outs restore joint liability, and the fourth is open-ended: intentional injury, vicarious liability, strict product liability, and «situations not covered by any of the foregoing and having a sound basis in public policy» (§ 41-3A-1(C)). |
Verified as ofSeptember 12, 2026 · Car insurance claims in New Mexico →
| Fault system | No-fault |
|---|---|
| Personal injury protection required | Yes [1] |
| Minimum injury benefit | $50,000 [1] |
| Claiming pain and suffering from the other driver | Only past a described injury test [1] Basic economic loss is «up to fifty thousand dollars per person» of the combined items the statute lists (§ 5102(a)), and every owner’s policy must provide it (§ 5103(a)). The door to the other driver is definitional rather than monetary: § 5104(a) allows no recovery for non-economic loss between covered persons «except in the case of a serious injury», and «serious injury» is only what § 5102(d) defines it to be — a list of described categories that begins with death, dismemberment, significant disfigurement, a fracture and loss of a fetus. No amount of medical expense opens or closes that door. Read § 5102(d) in full before relying on the categories: the official rendering we fetched on 2026-09-22 served the definition only as far as «significant limitation of use of a body function or system». |
| Shared-fault rule | Pure comparative negligence The claimant’s culpable conduct «shall not bar recovery, but the amount of damages otherwise recoverable shall be diminished in the proportion» it bears to the conduct that caused the damages (C.P.L.R. § 1411). |
Verified as ofSeptember 11, 2026 · Car insurance claims in New York →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Shared fault reduces a Newfoundland and Labrador award and never bars it. «Where by the fault of 2 or more persons damage or loss is caused to 1 or more of them, the liability to make good the damage or loss shall be in proportion to the degree in which each person was at fault», and notwithstanding that, «where, having regard to the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally» and «nothing in this section shall operate so as to make a person liable for damage or loss to which his or her fault has not contributed» (Contributory Negligence Act, R.S.N.L. 1990, c. C-33, s. 2(1)–(2)). No percentage of the claimant’s own fault defeats the claim. Where two or more are found at fault «they shall be jointly and individually liable to the person suffering damage or loss» — the Act’s own older phrase for joint and several liability — contributing between themselves in proportion to fault (s. 3). Fault and its degrees are questions of fact (s. 4), and costs follow the apportionment unless the judge directs otherwise, with an express set-off where one party is owed an excess of damages and the other an excess of costs (s. 8). Note the locator: the apportionment rule is s. 2 here, not s. 1 or s. 3 as in the neighbouring provinces. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Newfoundland and Labrador →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Contributory negligence North Carolina is one of the last pure contributory-negligence states: “a plaintiff’s right to recover in a personal injury … action is barred upon a finding of contributory negligence”, and there is no apportionment. The defendant carries the burden — § 1-139 provides that “a party asserting the defense of contributory negligence has the burden of proof of such defense” — and must show a want of due care by the claimant and a proximate connection between it and the injury. Last clear chance is the recognised escape and it is narrow: the claimant must show the defendant discovered, or had a duty to discover, their helpless or inadvertent peril and then had the means and the time to avoid the collision and negligently failed to do so. |
Verified as ofSeptember 16, 2026 · Car insurance claims in North Carolina →
| Fault system | No-fault |
|---|---|
| Personal injury protection required | Yes [7] |
| Minimum injury benefit | $30,000 [7] |
| Claiming pain and suffering from the other driver | Only past a described injury test [7] Basic no-fault benefits «may not exceed thirty thousand dollars» for all economic loss to any one person from any one accident, with sub-caps of «one hundred fifty dollars per week» for work or survivors’ income loss and «three thousand five hundred dollars» for funeral, cremation and burial (§ 26.1-41-01(2)). A secured person is exempt from liability for «Noneconomic loss unless the injury is a serious injury» (§ 26.1-41-08(1)(a)), and «serious injury» is defined as an accidental bodily injury «which results in death, dismemberment, serious and permanent disfigurement or disability beyond sixty days, or medical expenses in excess of two thousand five hundred dollars» (§ 26.1-41-01(21)) — the money route sits inside the definition rather than beside it. |
| Shared-fault rule | Modified comparative (50% bar) North Dakota’s bar bites at equality, and the section is titled for what it does: «32-03.2-02. Modified comparative fault. CONTRIBUTORY FAULT DOES NOT BAR RECOVERY in an action by any person to recover damages for death or injury to person or property UNLESS THE FAULT WAS AS GREAT AS THE COMBINED FAULT OF ALL OTHER PERSONS WHO CONTRIBUTE TO THE INJURY, but any damages allowed MUST BE DIMINISHED IN PROPORTION TO THE AMOUNT OF CONTRIBUTING FAULT ATTRIBUTABLE TO THE PERSON RECOVERING. The court may, and WHEN REQUESTED BY ANY PARTY, SHALL direct the jury to find separate special verdicts determining the amount of damages and the percentage of fault attributable to EACH PERSON, WHETHER OR NOT A PARTY, who contributed to the injury. … When two or more parties are found to have contributed to the injury, THE LIABILITY OF EACH PARTY IS SEVERAL ONLY, AND IS NOT JOINT, and each party is liable only for the amount of damages attributable to the percentage of fault of that party, EXCEPT THAT ANY PERSONS WHO ACT IN CONCERT … ARE JOINTLY LIABLE … Under this section, FAULT INCLUDES NEGLIGENCE, MALPRACTICE, ABSOLUTE LIABILITY, DRAM SHOP LIABILITY, FAILURE TO WARN, RECKLESS OR WILLFUL CONDUCT, ASSUMPTION OF RISK, MISUSE OF PRODUCT, FAILURE TO AVOID INJURY, and product liability.» «As great as» is the 50 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN NORTH DAKOTA RECOVERS NOTHING — the same camp as Idaho, Kansas, Nebraska and Maine, and the opposite of Montana, Vermont, Iowa, West Virginia and Hawaii. THREE QUALIFIERS PULL IN DIFFERENT DIRECTIONS AND ALL THREE BELONG ON THE ROW. The comparison is against the COMBINED fault of all contributors, which HELPS a claimant facing several defendants — unlike Idaho’s § 6-803(3), where each defendant’s fault is compared individually and a claimant can lose against two defendants who together outweigh them. But the jury apportions fault to every person who contributed «WHETHER OR NOT A PARTY», so an absent, unidentified or immune driver’s share enters the denominator; liability between defendants is SEVERAL ONLY outside concerted action, so the claimant carries an insolvent co-defendant’s share; and «fault» is defined expansively enough to reach ASSUMPTION OF RISK and FAILURE TO AVOID INJURY, not negligence alone. AND THERE IS A CARVE-OUT THAT FITS THE ORDINARY FENDER-BENDER EXACTLY AND APPEARS IN NO OTHER JURISDICTION IN THIS DATASET: «32-03.2-02.1. Automobile accident damage liability. NOTWITHSTANDING SECTION 32-03.2-02, in an action by any person to recover direct and indirect damages for injury to property, THE DAMAGES MAY NOT BE DIMINISHED IN PROPORTION TO THE AMOUNT OF CONTRIBUTING FAULT ATTRIBUTABLE TO THE PERSON RECOVERING, OR OTHERWISE, IF: 1. The person seeking damages is seeking property damages resulting from A MOTOR VEHICLE ACCIDENT IN WHICH TWO PERSONS ARE AT FAULT; 2. The person seeking damages is seeking to recover DIRECT PHYSICAL PROPERTY DAMAGES OF NOT MORE THAN FIVE THOUSAND DOLLARS AND INDIRECT PHYSICAL PROPERTY DAMAGES NOT TO EXCEED ONE THOUSAND DOLLARS; and 3. THE PERCENTAGE OF FAULT OF THE PERSON AGAINST WHOM RECOVERY IS SOUGHT IS OVER FIFTY PERCENT. This section applies regardless as to whether the person seeking … also seeks damages for personal injury, HOWEVER, DAMAGES FOR PERSONAL INJURY ARE NOT AVAILABLE UNDER THIS SECTION.» The three conditions are conjunctive and must be stated together; within them a small property claim is paid in full with no reduction for the claimant’s own share. |
Verified as ofSeptember 12, 2026 · Car insurance claims in North Dakota →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Contributory negligence: the claim «shall not be defeated by reason of the fault of the person suffering the damage», but damages are reduced «to such extent as the court thinks just and equitable» (Law Reform (Miscellaneous Provisions) Act (Northern Ireland) 1948, s. 2(1)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Northern Ireland →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Shared fault reduces a Nova Scotia award and never defeats it. «Where by the fault of two or more persons damage or loss is caused to one or more of them, the liability to make good the damage or loss is in proportion to the degree in which each person was at fault but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing in that section renders anyone liable for damage to which their fault has not contributed (Contributory Negligence Act, R.S.N.S. 1989, c. 95, s. 3(1)–(2)). There is no percentage at which the claim is barred. The court determines each person’s degree of fault (s. 4), and the amount of the loss, the fault and the degrees of fault are questions of fact (s. 5). One Nova Scotia sting is in the costs: where damages are occasioned by the fault of more than one party the court «has power to direct that the plaintiff shall bear some portion of the costs if the circumstances render this just» (s. 6) — a discretion, not the automatic proportionality New Brunswick applies next door. Apportion under c. 95 first, then apply the minor-injury cap to the non-pecuniary component. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Nova Scotia →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) The label is the closest the dataset has, but the statute fixes no percentage and the rule must be read in its own comparative terms: contributory negligence «shall not bar a recovery, unless any negligence of the person so injured, damaged or killed, is of greater degree than any negligence of the person, firm or corporation causing such damage, or unless … is of greater degree than the combined negligence of any persons, firms or corporations causing such damage» (23 O.S. § 13). Equal fault is not barred. In the multi-defendant case the comparison is against the defendants’ COMBINED negligence, so a claimant at 40 % against two defendants at 30 % each is not barred even though they are the single most negligent party. Below the bar, recovery «shall be diminished in proportion» (§ 14), and shared fault is a jury question «in all cases whatsoever» (§ 12). |
Verified as ofSeptember 12, 2026 · Car insurance claims in Oklahoma →
| Fault system | Hybrid |
|---|---|
| Shared-fault rule | Pure comparative negligence Where the plaintiff’s own fault contributed, «the court shall apportion the damages in proportion to the degree of fault or negligence found against the parties respectively» (Negligence Act, s. 3). Vehicle-damage recovery from your own insurer is likewise «based on the degree of fault» under the Fault Determination Rules (Insurance Act, s. 263(3)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Ontario →
| Fault system | Add-on no-fault |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Contributory negligence does not bar recovery «if the fault attributable to the claimant was not greater than the combined fault of all persons specified in subsection (2)», and otherwise damages fall in proportion to the claimant’s own share (ORS 31.600(1)). The comparison is against the combined fault of everyone on the list, not against any single defendant. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Oregon →
| Fault system | Choice no-fault |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Contributory negligence does not bar recovery «where such negligence was not greater than the causal negligence of the defendant»; damages are diminished in proportion (42 Pa.C.S. § 7102(a)). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Pennsylvania →
| Fault system | Hybrid |
|---|---|
| Shared-fault rule | Pure comparative negligence «Si la imprudencia sólo hubiere concurrido en la producción del daño, la indemnización será reducida por el juez, según las circunstancias» — where the victim’s imprudence merely contributed, the judge reduces the award according to the circumstances (Código Civil art. 1973); no threshold bars recovery and the code fixes no percentage. Where that imprudence was the determining cause of the harm under the objective head of art. 1970, there is no duty to repair at all (art. 1972). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Peru →
| Fault system | No-fault |
|---|---|
| Shared-fault rule | Pure comparative negligence Sharing is by the gravity of each party’s fault, not by a percentage of causation: «where an injury has been caused by several persons, liability is shared between them in proportion to the seriousness of the fault of each. The victim is included in the apportionment when the injury is partly the effect of his own fault» (Civil Code of Québec, art. 1478). There is no bar at any percentage, and the rule reaches property damage, because the bodily-injury action is abolished. |
Verified as ofSeptember 11, 2026 · Car insurance claims in Quebec →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence THERE IS NO BAR AT ANY PERCENTAGE IN RHODE ISLAND. «§ 9-20-4. Comparative negligence. In all actions hereafter brought for personal injuries, or where personal injuries have resulted in death, OR FOR INJURY TO PROPERTY, the fact that the person injured, or the owner of the property or person having control over the property, MAY NOT HAVE BEEN IN THE EXERCISE OF DUE CARE OR THE FACT THAT THE DANGER OR DEFECT WAS OPEN AND OBVIOUS SHALL NOT BAR A RECOVERY, BUT DAMAGES SHALL BE DIMINISHED BY THE FINDER OF FACT IN PROPORTION TO THE AMOUNT OF NEGLIGENCE ATTRIBUTABLE TO THE PERSON INJURED.» The section states only that contributory fault «shall not bar a recovery» and that damages are diminished proportionately, WITH NO THRESHOLD ANYWHERE IN IT — so A RHODE ISLAND CLAIMANT NINETY PER CENT AT FAULT STILL RECOVERS TEN PER CENT. That puts Rhode Island with New Mexico and against every other state promoted in the same round: Idaho, Maine and North Dakota bar at equality, Montana and Vermont above fifty per cent. Note that the section covers INJURY TO PROPERTY expressly as well as personal injury and death, so the same rule governs the claim for the car. AND NOTE WHAT THE 2019 AMENDMENTS ADDED, because it is recent, statutory and easy to miss: the words «or the fact that the danger or defect was open and obvious shall not bar a recovery» — ABOLISHING THE OPEN-AND-OBVIOUS DEFENCE AS A BAR. The history line is «P.L. 1971, ch. 206, § 1; P.L. 1972, ch. 18, § 1; P.L. 2019, ch. 185, § 1; P.L. 2019, ch. 256, § 1», and the pairing of two identical 2019 chapters is the Rhode Island drafting habit — every substantive change read for this row arrives as a pair of companion chapters, so cite both or neither. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Rhode Island →
| Fault system | Choice no-fault |
|---|---|
| Shared-fault rule | Pure comparative negligence In property-damage actions and in a claim brought in the elected tort stream, «the liability to make good the damage or loss is in proportion to the degree in which each person was at fault, but if, having regard to all the circumstances of the case, it is not possible to establish different degrees of fault, the liability shall be apportioned equally», and nothing renders a person liable for loss to which their fault has not contributed (Contributory Negligence Act, s. 2). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Saskatchewan →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence The Law Reform (Contributory Negligence) Act 1945 applies in Scotland (s. 5): damages are reduced «to such extent as the court thinks just and equitable» having regard to the pursuer’s share of responsibility. |
Verified as ofSeptember 11, 2026 · Car insurance claims in Scotland →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) The bar is judge-made, not statutory: «For all causes of action arising on or after July 1, 1991, a plaintiff in a negligence action may recover damages if his or her negligence is not greater than that of the defendant. The amount of the plaintiff’s recovery shall be reduced in proportion to the amount of his or her negligence» (Nelson v. Concrete Supply Co., 303 S.C. 243, 245, 399 S.E.2d 783, 784 (1991), quoted with its page by the Court of Appeals). «Not greater than» is the 51 % form: a driver exactly half to blame recovers half, and one fifty-one percent to blame recovers nothing. Apportionment is a question of fact for the jury where conflicting inferences may be drawn. Do not read S.C. Code § 15-38-15 as the source of the bar — it governs joint and several liability among defendants, and its own subsection (C)(2) sends the plaintiff’s share back to «applicable rules concerning comparative negligence». |
Verified as ofSeptember 12, 2026 · Car insurance claims in South Carolina →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Not yet verified SOUTH DAKOTA’S SHARED-FAULT RULE HAS NO PERCENTAGE IN IT AT ALL, AND THE FIELD IS «UNCLEAR» BECAUSE NONE OF THIS DATASET’S ENUMERATED VALUES DESCRIBES IT — not because the statute is unread. It is quoted here verbatim so a reader can see for themselves: «In all actions brought to recover damages for injuries to a person or to that person’s property caused by the negligence of another, the fact that the plaintiff may have been guilty of contributory negligence does not bar a recovery when the contributory negligence of the plaintiff was slight in comparison with the negligence of the defendant, but in such case, the damages shall be reduced in proportion to the amount of plaintiff’s contributory negligence. Notwithstanding Woods vs. City of Crooks, 559 N.W.2d 558 (SD 1997), the determination of whether the contributory negligence of the plaintiff was slight in comparison with the negligence of the defendant shall be made without disclosing any determination of percentage of plaintiff’s fault by special interrogatory» (§ 20-9-2, history «SL 1941, ch 160; SDC Supp 1960, § 47.0304-1; SL 1964, ch 149; SL 1998, ch 125, § 1»). WHY NOT ONE OF THE OTHER VALUES: it is not «pure-comparative», because recovery survives only where the claimant’s negligence was SLIGHT; it is not «contributory», because slight negligence does not bar and the damages do reduce proportionally; and it is neither «modified-50» nor «modified-51», because the statute fixes no figure to compare against. Assigning it to a camp by analogy would be an import, so the enum is left «unclear» and the statute speaks for itself — the same discipline this dataset applies to New Mexico, where the reason is a locator rule rather than a mapping one. THE 1998 SECOND SENTENCE MATTERS IN PRACTICE: because the comparison must be made WITHOUT a special interrogatory disclosing the plaintiff’s percentage, the question a South Dakota jury answers is qualitative and is never published as a number — so any percentage you meet attached to this state has come from somewhere else. Read it beside § 58-33-67(6), which makes it an unfair practice for an insurer to fail «to make a good faith assignment of the degree of contributory negligence in ascertaining the issue of liability». |
Verified as ofSeptember 12, 2026 · Car insurance claims in South Dakota →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence For injuries, the victim’s own contribution reduces compensation by at most 75 % (LRCSCVM art. 1.2); children under 14 and people without legal capacity are not reduced at all. |
Verified as ofSeptember 11, 2026 · Car insurance claims in Spain →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Proportionate responsibility: you recover nothing if your share of responsibility is greater than 50 %; otherwise your damages are reduced by your percentage (CPRC §§ 33.001, 33.012). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Texas →
| Fault system | No-fault |
|---|---|
| Shared-fault rule | Modified comparative (50% bar) A claimant «may recover from any defendant or group of defendants whose fault, combined with the fault of persons immune from suit and nonparties to whom fault is allocated, exceeds the fault of the person seeking recovery» (§ 78B-5-818(2)). Because the others’ fault must exceed the claimant’s, a fifty-fifty crash in Utah recovers nothing — the opposite of Nevada and Oregon, where it recovers half. No defendant is liable beyond its own allocated proportion. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Utah →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Vermont’s bar bites only ABOVE the defendants’ combined causal negligence: «§ 1036. Contributory and comparative negligence. (a) CONTRIBUTORY NEGLIGENCE SHALL NOT BAR RECOVERY in an action by any plaintiff, or the plaintiff’s legal representative, to recover damages for negligence resulting in death, personal injury, or property damage, IF THE NEGLIGENCE WAS NOT GREATER THAN THE CAUSAL TOTAL NEGLIGENCE OF THE DEFENDANT OR DEFENDANTS, BUT THE DAMAGE SHALL BE DIMINISHED BY GENERAL VERDICT IN PROPORTION TO THE AMOUNT OF NEGLIGENCE ATTRIBUTED TO THE PLAINTIFF. WHERE RECOVERY IS ALLOWED AGAINST MORE THAN ONE DEFENDANT, EACH DEFENDANT SHALL BE LIABLE FOR THAT PROPORTION OF THE TOTAL DOLLAR AMOUNT AWARDED AS DAMAGES IN THE RATIO OF THE AMOUNT OF THE DEFENDANT’S CAUSAL NEGLIGENCE TO THE AMOUNT OF CAUSAL NEGLIGENCE ATTRIBUTED TO ALL DEFENDANTS AGAINST WHOM RECOVERY IS ALLOWED.» «Not greater than» is the 51 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN VERMONT RECOVERS HALF — THE OPPOSITE OUTCOME FROM MAINE AND IDAHO NEXT DOOR, which bar a claimant found equally at fault, and the same camp as Montana, Iowa, West Virginia, Hawaii and Wyoming. THREE FEATURES OF THE TEXT MATTER BEYOND THE THRESHOLD. The comparison is against the defendants’ COMBINED causal negligence, which helps a claimant facing several of them. Against that, liability among defendants is PROPORTIONATE AND NOT JOINT — «each defendant shall be liable for that proportion of the total dollar amount awarded … in the ratio of the amount of the defendant’s causal negligence to the amount of causal negligence attributed to all defendants against whom recovery is allowed» — so Vermont has no joint and several liability in the ordinary negligence case and the claimant carries an insolvent co-defendant’s share. That is the MIRROR IMAGE of Maine’s § 156, where joint and several liability survives in full. And the reduction is made «BY GENERAL VERDICT», not by a special verdict as Idaho’s § 6-802, Hawaii’s § 663-31(b) and North Dakota’s § 32-03.2-02 variously require or allow — so the arithmetic is folded into the single figure the jury returns. One further subsection is recorded for completeness and for currency, and expressly does NOT touch motor claims: «(b) Contributory and comparative negligence shall be prohibited as a defense to limit a plaintiff’s recovery for damages in an action for a negligence claim relating to a sexual act as defined in 13 V.S.A. § 3251 or sexual conduct as defined in 13 V.S.A. § 2821» — added 22 April 2024, so a reader is not misled into thinking Vermont’s comparative rule changed recently. The rule itself dates from 1969 as amended in 1980. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Vermont →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Pure comparative negligence Contributory fault chargeable to the claimant «diminishes proportionately the amount awarded as compensatory damages … but does not bar recovery», and the section sets no percentage threshold anywhere (RCW 4.22.005). |
Verified as ofSeptember 11, 2026 · Car insurance claims in Washington →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) West Virginia’s whole shared-fault regime dates from a single 2015 act and must not be described as older. «Any fault chargeable to the plaintiff shall not bar recovery by the plaintiff unless the plaintiff’s fault is greater than the combined fault of all other persons responsible for the total amount of damages, if any, to be awarded. If the plaintiff’s fault is less than the combined fault of all other persons, the plaintiff’s recovery shall be reduced in proportion to the plaintiff’s degree of fault» (§ 55-7-13c(c)). «Greater than» is the 51 % form, so a crash apportioned fifty-fifty still recovers half — as in Iowa, and the opposite of Kansas and Nebraska. The comparison is against the COMBINED fault of all other responsible persons, not against each defendant. The same section makes each defendant’s liability «several only and … not joint», each liable «only for the amount of compensatory damages allocated to that defendant in direct proportion to that defendant’s percentage of fault», with joint liability restored where two or more defendants «consciously conspire and deliberately pursue a common plan or design» (§ 55-7-13c(a)–(b)). Two carve-outs matter in a crash case: a defendant whose conduct constitutes «driving a vehicle under the influence of alcohol, a controlled substance, or any other drug», or «criminal conduct», which is a proximate cause of the damages, is jointly and severally liable anyway (§ 55-7-13c(h)). And if a liable defendant turns out to be uncollectible, the plaintiff may move «not later than one year after judgment becomes final» to have the uncollectible amount reallocated among the others by percentage of fault — including a plaintiff at fault — though never against a defendant whose percentage «is equal to or less than the plaintiff’s percentage of fault» (§ 55-7-13c(d)(1)). |
Verified as ofSeptember 12, 2026 · Car insurance claims in West Virginia →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Contributory negligence does not bar recovery «if that negligence was not greater than the negligence of the person against whom recovery is sought», with damages «diminished in the proportion to the amount of negligence attributed to the person recovering» — and then the decisive sentence: «The negligence of the plaintiff shall be measured separately against the negligence of each person found to be causally negligent» (Wis. Stat. § 895.045(1)). A claimant at exactly 50 % still recovers half. The 51 % figure in the same subsection is a different rule entirely: a defendant at 51 % or more is jointly and severally liable for the whole award, while one below that pays only its own share. It is not a bar on the claimant. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Wisconsin →
| Fault system | At-fault (tort) |
|---|---|
| Shared-fault rule | Modified comparative (51% bar) Wyoming’s bar bites only ABOVE fifty per cent: «Contributory fault shall not bar a recovery in an action by any claimant or the claimant’s legal representative to recover damages for wrongful death or injury to person or property, if the contributory fault of the claimant is not more than fifty percent (50%) of the total fault of all actors. Any damages allowed shall be diminished in proportion to the amount of fault attributed to the claimant» (§ 1-1-109(b)). «Not more than fifty percent» is the 51 % form in this dataset’s convention, so A CRASH APPORTIONED FIFTY-FIFTY IN WYOMING STILL RECOVERS HALF. THREE FEATURES MATTER MORE THAN THE HEADLINE. First, the denominator is «the total fault of ALL ACTORS», and «actor» is defined to include any person «whose fault is determined to be a proximate cause … whether or not the actor is a party to the litigation» (§ 1-1-109(a)(i)), so an absent, unidentified or immune driver’s share counts in the comparison. Second, the statute speaks of «fault», defined in (a)(iv) to reach strict tort and products liability, breach of warranty, assumption of risk and misuse of a product, not negligence alone. Third — and this is the practical consequence — WYOMING APPORTIONS SEVERALLY, NOT JOINTLY: «Each defendant is liable only to the extent of that defendant’s proportion of the total fault» (§ 1-1-109(e)), so a defendant found thirty per cent at fault pays thirty per cent and the claimant carries the shortfall if a co-defendant cannot pay. The court must «direct the jury to determine the total amount of damages sustained by the claimant without regard to the percentage of fault attributed to the claimant, and the percentage of fault attributable to each actor» and must «inform the jury of the consequences of its determination of the percentage of fault» (§ 1-1-109(c)(i)) — the exact opposite of South Dakota’s § 20-9-2, which forbids disclosing the plaintiff’s percentage by special interrogatory. |
Verified as ofSeptember 12, 2026 · Car insurance claims in Wyoming →
Frequently asked questions
If the light turns amber, am I allowed to keep going?
Three codes we read answer this in three slightly different ways, and the difference is the useful part. The Highway Code's rule 175 says you may go on only if the amber appears after you have already crossed the stop line, or if you are so close to it that to stop might cause a collision. Spain's code says a steady amber means vehicles must stop on the same terms as a steady red, unless when it lights the vehicle is so close to the stopping place that it cannot stop before the signal in conditions of sufficient safety. Virginia's manual puts it as a sequence of tests: if you have not entered the intersection, stop; if stopping is unsafe, go through cautiously; if you are already in the intersection, go through cautiously — and adds, in its own words, do not speed up to beat the light. All three make stopping the default and the crossing the exception, and none of them makes amber a licence.
The other driver was indicating. Doesn't that mean I can go?
No, and two codes say so in almost the same breath. The Highway Code's rule 103 closes its list of signalling duties with the sentence «Remember that signalling does not give you priority», and its rule 170 tells a driver waiting at a junction not to assume that a vehicle coming from the right and signalling left will actually turn — wait and make sure. Rule 104 adds the mechanical reason it can be wrong: an indicator on another vehicle may not have been cancelled. Spain's code makes the same point from the other side, requiring that the optical warning for a lateral movement end as soon as the vehicle has taken its new line, because it announces that movement and nothing else. Virginia's manual warns that drivers planning to turn into your lane may not know exactly where you will turn.
Is hands-free actually safer, or does it just look safer?
The honest answer is that the best naturalistic evidence we could read does not settle it. The AAA Foundation's case-crossover analysis of the SHRP 2 naturalistic driving data reports that the relationship between hands-free conversation and crash involvement could not be assessed meaningfully, because there were very few crashes or baseline segments in which it was observed at all. For hand-held conversation the same analysis found an odds ratio of 1.16 with a confidence interval of 0.50 to 2.70 — an interval that contains no effect, and the report says the estimate was very imprecise and not statistically significant. The Virginia Tech Transportation Institute's own summary of its naturalistic work lists talking on the phone among the secondary tasks it has examined and notes that hands-free does not increase risk. What both bodies of work agree on is the visual-manual part: tasks that take the eyes off the road are the ones that move the numbers.
This guide explains how car insurance claims generally work. It is not legal advice, does not create a lawyer–client relationship, and is not a statement of any insurer's or regulator's position. Rules change and differ by jurisdiction; check the cited instrument and, where money or injury is at stake, consult a licensed professional in your jurisdiction.